Mortgage Refinance
Refinancing your current home can help lower your monthly payment, shorten the term of your loan or give you access to a large amount of cash.
Ready to get started? Apply online, call us at (800) 533-0035, Option 3, or use our contact form.
Apply now
Receive up to $750 cash back or 75,000 Connection Points™
when you finance a mortgage paired with one of our qualifying credit cards.
No matter what your current financial situation is, we have a refinance option to meet you where you are. When you refinance with us, we'll review your current mortgage and ensure that you choose the right term and product to meet your needs.
Our mortgage specialists would love to answer any of your refinance questions. Call us at (800) 533-0035, Option 3, or use our contact form.
Refinance your existing mortgage
Who it's for: This is ideal for members who have a mortgage with the Credit Union or another lender and are looking to lower interest rate or monthly payments.
How it works: Replace your existing mortgage with a completely new mortgage which likely includes a different interest rate and monthly payment. Choose the fixed- or adjustable-rate mortgage that meets your needs.
What additional costs are included: These include closing costs and other fees (typically 2-4% of the new loan amount) which may be included with the balance of your new mortgage.
Cash-Out Refinance
Who it's for: This is designed for members who have a mortgage or own their home and want to use their available equity to get a large amount of cash.
How it works: Turn some of your existing home equity into cash. Refinance your existing mortgage with a new one or take out a new mortgage on your paid-off home. In most states, you can borrow up to 80% of your home's value. Choose a fixed- or adjustable-rate mortgage that meets your needs.
What additional costs are included: These include closing costs and other fees (typically 2-4% of the new loan amount) which may be included with the balance of your new mortgage.
Things to consider: A Home Equity Line of Credit (HELOC) also allows you to get equity from your home without having to refinance your existing mortgage. Speak with a mortgage specialist to determine which option is best for you. For Texas homeowners, see our FAQ section below.
Rate Modification
Who it's for: This is for members with an existing mortgage with the Credit Union who have a higher interest rate than the current market rate.
How it works: You keep your existing mortgage but modify your existing rate. This will likely adjust your monthly payments.
Refinance your existing mortgage
Who it's for: This is ideal for members who have a mortgage with the Credit Union or another lender and are looking to lower interest rate or monthly payments.
How it works: Replace your existing mortgage with a completely new mortgage which likely includes a different interest rate and monthly payment. Choose the fixed- or adjustable-rate mortgage that meets your needs.
What additional costs are included: These include closing costs and other fees (typically 2-4% of the new loan amount) which may be included with the balance of your new mortgage.
Cash-Out Refinance
Who it's for: This is designed for members who have a mortgage or own their home and want to use their available equity to get a large amount of cash.
How it works: Turn some of your existing home equity into cash. Refinance your existing mortgage with a new one or take out a new mortgage on your paid-off home. In most states, you can borrow up to 80% of your home's value. Choose a fixed- or adjustable-rate mortgage that meets your needs.
What additional costs are included: These include closing costs and other fees (typically 2-4% of the new loan amount) which may be included with the balance of your new mortgage.
Things to consider: A Home Equity Line of Credit (HELOC) also allows you to get equity from your home without having to refinance your existing mortgage. Speak with a mortgage specialist to determine which option is best for you. For Texas homeowners, see our FAQ section below.
Rate Modification
Who it's for: This is for members with an existing mortgage with the Credit Union who have a higher interest rate than the current market rate.
How it works: You keep your existing mortgage but modify your existing rate. This will likely adjust your monthly payments.
Our Rates^
-
APR as low as
5.448%
15-Year Fixed
Home Loans
-
APR as low as
6.075%
30-Year Fixed
Home Loans
-
APR as low as
6.161%
5/1 Arm (30-Year)
Home Loans
-
APR as low as
7.250%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 20, 2025. View Full Disclosures.
Our Rates^
-
APY as high as
1.87%
Savings
Share/IRA Accounts
-
APY as high as
4.15%
Short-Term Share Certificate
Share Certificate
-
APY as high as
4.00%
Share Certificate
Share/IRA Certificates
-
APY as high as
4.07%
Ladder Certificates
Share/IRA Certificates
-
APY as high as
0.40%
Priority Checking
Checking Accounts
-
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2025.
Our Rates^
-
APR as low as
3.99%
New Auto
Up to 36 Months
-
APR as low as
4.49%
Used Auto
Up to 36 Months
-
APR as low as
4.74%
New Auto
Up to 60 months
-
APR as low as
5.24%
Used Auto
Up to 60 months
-
APR as low as
6.99%
RV
Vehicle Loans
-
APR as low as
6.74%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 31, 2025.
Our Rates^
-
APR
14.75% - 16.75%
Signature Cash Back
Credit Cards
-
APR
12.50% - 18.00%
Platinum Rewards
Credit Cards
-
APR
11.00% - 18.00%
Platinum Low Rate
Credit Cards
-
APR
16.24%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2025.
Our Rates^
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2025.
Our Rates^
-
APR
12.74% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2025.
Our Rates^
APR as low as
5.448%
15-Year Fixed
Home Loans
APR as low as
6.075%
30-Year Fixed
Home Loans
APR as low as
6.161%
5/1 Arm (30-Year)
Home Loans
APR as low as
7.250%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 20, 2025. View Full Disclosures.
APY as high as
1.87%
Savings
Share/IRA Accounts
APY as high as
4.15%
Short-Term Share Certificate
Share Certificate
APY as high as
4.00%
Share Certificate
Share/IRA Certificates
APY as high as
4.07%
Ladder Certificates
Share/IRA Certificates
APY as high as
0.40%
Priority Checking
Checking Accounts
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2025.
APR as low as
3.99%
New Auto
Up to 36 Months
APR as low as
4.49%
Used Auto
Up to 36 Months
APR as low as
4.74%
New Auto
Up to 60 months
APR as low as
5.24%
Used Auto
Up to 60 months
APR as low as
6.99%
RV
Vehicle Loans
APR as low as
6.74%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 31, 2025.
APR
14.75% - 16.75%
Signature Cash Back
Credit Cards
APR
12.50% - 18.00%
Platinum Rewards
Credit Cards
APR
11.00% - 18.00%
Platinum Low Rate
Credit Cards
APR
16.24%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2025.
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2025.
APR
12.74% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2025.
Mortgage Features
- No application fee
- Free 60-day rate lock1
- Options including fixed- or adjustable-rate mortgage
- Low closing costs
- Ablility to pay points to "buy down" your initial mortgage rate
- No prepayment penalty
- Members on the Move - Earn cash back2 when you buy or sell a house with a program realtor. Talk to a Real Estate Coordinator today.
- In-house servicing so you can have peace of mind for the future of your mortgage
- Rate modification3 to take advantage of a lower rate in the future
- Yearly Bonus Dividend4 earnings based on the interest you've paid on your mortage
Home loans made for you
Home loans made for you
MORTGAGE REFINANCE FAQ
You're able to borrow up to 80% Combined Loan-to-Value (CLTV) for your primary residence. For investment property, the max is 70% CLTV.
Example: If your home value is $300K, you could get up to $240K. Subtract what you owe on your home from $240K to see how much equity you can borrow.
You can look at the tax appraisal for your property tax. You can also check values at a variety of internet sites. The final value will be determined by the Credit Union when your loan application is in process.
Any of our fixed- or adjustable-rate mortgages can be used for a rate-and-term or cash-out refinance. Keep in mind, the rate may be slightly higher for a cash-out refinance with a higher Loan-to-Value (LTV).
If you've already processed a cash-out refinance or a HELOC, you must wait at least one year before getting another loan.
Texas Homeowners FAQ
The state of Texas classifies a cash-out refinance the same way as a home equity loan and you're not able to have multiple home equity loans on one property. Therefore, if you already have a cash-out refinance, you'd need to refinance your entire mortgage rather than taking out a HELOC.
Home loans for every need
You find the home. We'll help with the financing.
Fixed-Rate Mortgage
This is the most common mortgage with set monthly payments for 15 or 30 years.
Who's it for: This is ideal for home buyers who plan to stay in their house for a long period of time and prefer a regular, fixed monthly payment.
Advantages: Principle and interest payments stay the same throughout the life of the mortgage (taxes and insurance might fluctuate). There are no prepayment penalties for paying off the mortgage.
Things to know: The rate does not change no matter how the market fluctuates.
Calculate the payments for a 15- vs. 30-year fixed mortgage.
Apply now.Adjustable-Rate Mortgage (ARM)
When you open an ARM, you choose a product based on how long you want your rate to be fixed. There are options to have the rate fixed for 5, 7 or 10 years, and then your payment and rate may be adjusted annually based on current market conditions. For example, a 5/1 ARM has a fixed rate for five years.
Who's it for: Home buyers who plan to stay in their home for only a few years, or are willing to accept the possiblity of a rate change might consider this option.
Advantages: Typically an ARM has a lower fixed rate for the first 5, 7 or 10 years, depending on the product.
Things to know: Your payment and rate may change annually after the initial fixed-rate term.
Calculate the difference between a fixed- vs. adjustable-rate mortgage.
Apply now.Jumbo Mortgages
Jumbo mortgages are the same fixed- or adjustable-rate products, but with a higher minimum loan amount. These loans typically receive a slightly lower rate.
- Jumbo mortgages are for home loans greater than $806,500.
- Super jumbo mortgages are for home loans greater than $1 million.
First-Time Home Buyer
Choose between a 30-year fixed rate or a 5/1 adjustable-rate mortgage.
Who's it for: Home buyers who have never owned a home or haven't owned a home in three or more years.
Features: Our first-time home buyer mortgage offers a special discounted rate, lower closing costs, and flexible down payment options.
Apply now.Other Mortgage Types
In some cases a traditional mortgage doesn’t meet your needs. We also offer mortgages for investment or rental property, second homes, and vacation homes. If you've ever dreamed of parking your plane at home, our hangar home loan is perfect for you.
For mortgage needs with special consideration, call us at (800) 533-0035, Option 3, or send us a contact request.
Apply now.While we do not offer FHA or VA loans, we encourage you to reach out to us as we do have options for members who have a down payment as little as 3.00%. View our rates for more details or call a mortgage specialist at (800) 533-0035, Option 3.
Connection Points powered by CURewards.®
1 We offer a free 60-day rate lock on both purchase and refinance transactions and a free 90-day rate lock on construction-to-perm loans. All rate locks are valid for up to 60 or up to 90 days respectively from the date the Rate Lock Agreement is signed. Certain terms and restrictions apply. Contact a mortgage loan officer for full details
2 The cash back bonus is offered in most states. In some states, a gift card or commission reduction at closing may be provided in lieu of the cash back bonus. The program is only available for home purchase/sale in the contiguous U.S., Alaska and Hawaii, with the exception of Iowa. The program is not available for employer-sponsored relocations. The cash-back bonus is not available in Alaska and Oklahoma. In Kansas and Tennessee, a MAX Mastercard® gift card will be issued. In Mississippi, New Jersey, and Oregon, a commission reduction may be available at closing. The cash-back bonus is only available with the purchase and/or sale of your home through the use of a program-introduced real estate agent. The actual amount you receive is based on the purchase and/or sale price of your home. Customers are not required to receive financing from a particular lender in order to receive benefits of this program. The program award is not available in certain transactions with restricted or reduced agent commissions (including many new construction, For Sale by Owner, For Sale by iBuyer transactions or where a minimum transaction side commission is not paid). Your assigned agent or a real estate coordinator can help you identify any transactions where the award would not be available. All real estate commissions are negotiable. This is not a solicitation if you're already represented by a real estate broker. Please check with a program coordinator for details. Program terms and conditions are subject to change at any time without notice. Additional terms, conditions, and restrictions apply.
Mastercard is a trademark of Mastercard International Incorporated.
3 Not all loan programs are eligible. Must be a member in good standing. There are no principal payments in the month of modification. The fee schedule is subject to change without notice. The minimum fee for a modification is $500 with no maximum cap. Contact the Credit Union for more info.
4 Bonus dividends are not guaranteed.
